This is the second time in this thread[1] that someone has tried to talk Citizens United down into some sort of scrappy outfit, when it was anything but.
I am also not convinced that use of a personal bank account was a significant problem here, unless you mean in the sense that the FEC (rightfully) prohibits excessive individual contributions.
Assuming it was, however: it stands to reason that everyone (including myself!) would be content with a legal structure where N people can pool their money into a publicly auditable political contributions account. I would happily support a law that makes that easier! But that wasn't the intended goal with CU -- the goal there was to channel extraordinary donations from a very small handful of individuals in a manner not accountable to the public.
[1]: https://news.ycombinator.com/item?id=32880236